| Takeaway | Details |
|---|---|
| 💼 What Lendini Is | Lendini is a direct business funding company offering merchant cash advances based on future receivables rather than traditional credit scoring. |
| ⚡ Fast Funding | Lendini provides rapid underwriting, with many applications preapproved within hours and funding typically available within 24–48 hours. |
| 💳 Revenue-Based Repayment | Instead of interest, repayment is structured through factor rates and daily withdrawals from business bank accounts or card deposits. |
| 📉 Credit Flexibility | Businesses with poor credit ratings may still qualify since approval depends primarily on revenue performance and bank statements. |
| ❗ High Costs | Factor rates can lead to significantly higher repayment costs than traditional business loans, and pricing is not disclosed upfront. |
| ⚠️ Mixed Reviews | User sentiment ranges from praise for speed and helpful representatives to complaints about transparency, repayment expectations, and collection practices. |
| 📚 MCA Risks | Because merchant cash advances are not loans, they do not build business credit and can lead to debt issues if cash flow declines. |
| ⭐ UCS Rating | United Capital Source rates Lendini 2.9 out of 5. |
Accessing working capital remains one of the biggest challenges for small business owners. Traditional banks often have strict underwriting requirements, request extensive financial documentation, and take weeks to make decisions.
For entrepreneurs with limited credit histories, poor credit ratings, urgent funding needs, or a non-traditional business model, traditional loans may not be an option at all. As a result, many turn to online funders offering merchant cash advances, fast funding, and more flexible revenue-based approval criteria.
Online business funders like Lendini aim to offer a faster, more accessible alternative to traditional lending partners. This approach can provide next-day funding, simplified proposals, and greater access to capital for small businesses that need it quickly.
However, because merchant cash advances and other revenue-based financing products often use factor rates rather than business loan interest rates, total repayment costs can be significantly higher than those of traditional business loans, and it’s essential to understand the terms before signing an agreement. Carefully evaluating every funding option is crucial in protecting cash flow, maintaining financial stability, and securing the most cost-effective solution for your business.
In this review, we’ll explain how Lendini works, including the funding options, pros and cons, and application process, to help you decide if it’s right for you. Specifically, we’ll answer these questions and more:
Lendini is a business funding provider offering merchant cash advances and other short-term funding for small business owners. The company targets merchants who need quick, flexible financing and may not qualify for traditional loans due to limited business credit history, low credit scores, unique industries, or non-traditional revenue patterns. Lendini offers funding based on future receivables rather than traditional credit requirements, emphasizing a business’s ability to repay based on upcoming sales rather than past borrowing history.
The lender launched in 2015 and operates as part of Funding Metrics, LLC. The company is headquartered in Bensalem, Pennsylvania, and serves small business clients across the United States. The business positions itself as an alternative financing option for merchants who need rapid underwriting and access to capital without lengthy analysis of tax returns, audited financials, or traditional interest-based underwriting models.
Lendini’s mission is to assist small business owners who need fast working capital by providing accessible funding based on daily revenue performance, credit card transactions, bank account activity, and cash flow, rather than credit scores alone. The company markets itself as a direct funder capable of fast decisions, enabling many applicants to receive approval within hours and access funding shortly after submitting documents.
Lendini provides funding through merchant cash advances (MCAs), which operate as purchases of future receivables rather than traditional business loans. Businesses receive a lump-sum cash advance upfront and repay it through a percentage of upcoming revenue, often collected automatically from bank accounts or credit card sales. The company advertises a streamlined application process that can provide access to capital quickly, sometimes within just a day of approval.
Funding from Lendini typically becomes available within 24 to 48 hours after approval. Lendini claims that 9 out of 10 submitted applications get preapproved within hours. The company evaluates cash flow, bank statements, revenue patterns, and the ability to support a payment plan based on sales performance.
Below are more details on the company’s primary offering.
Merchant cash advances are Lendini’s main product and are referred to on the website as business cash advances. Instead of providing a business loan, traditional interest rates, or installment payments, the company purchases a portion of future receivables in exchange for upfront capital.
Lendini’s business cash advance product provides a lump sum payment that you agree to repay by giving Lendini a fixed percentage of your future sales. Repayments typically occur through automatic daily or weekly withdrawals from business bank accounts or credit card processor deposits. Each payment reduces the amount owed until the full purchase amount, plus interest, fees, and costs, has been satisfied.
Business owners can use the cash advance for working capital needs, including payroll, repairs, marketing, inventory financing, emergencies, hiring, seasonal sales shortages, and short-term expansion. Because underwriting relies on revenue performance rather than credit scores, businesses with poor credit ratings, ongoing credit issues, limited credit histories, or recent financial challenges may still qualify if they have sufficient revenue.
However, merchant cash advances generally carry higher funding costs than traditional business loans. Factor rates can result in repayment obligations that exceed the original amount borrowed by a significant margin. The product may also involve other fees, bank transaction requirements, repayment terms, or costs not listed upfront. These risks have contributed to user complaints and regulatory scrutiny throughout the merchant cash advance industry.
Despite their costs, merchant cash advances can be practical short-term solutions when used strategically for fast funding needs and repaid quickly, especially for experienced business owners who understand how MCA factor-rate pricing works.
Lendini also offers a loyalty program called Lendini Rewards, designed to provide savings and benefits to repeat users. Returning customers can accumulate points based on ongoing business funding relationships and use them toward benefits such as:
The program is intended to reward existing customers who renew or continue using Lendini as their primary business funding source. However, business owners should always weigh the financial cost of repeat merchant cash advances against the convenience of loyalty-based incentives.
Lendini evaluates applicants based on business performance and future projected receivables rather than credit alone. Requirements vary, but in general, applicants must:
Lendini extends cash advances based on your ability to repay them from your projected future receivables. While credit may factor into underwriting, the company states that even business owners with low credit scores may qualify if revenue performance is strong. This provides an alternative to traditional lenders for merchants who need quick access to capital but can’t secure a bank loan.
Businesses may be denied funding if:
The company does not provide loans; instead, it focuses on purchasing future receivables with a cash advance. Lendini’s revenue-based financing and factor rates can translate to very high costs, potentially leading to a cycle of debt.
Since merchant cash advances are not business loans, they operate as commercial agreements in which the company purchases a percentage of future receivables in exchange for advanced money. Because of this structure, effective APR equivalents are often significantly higher than standard interest rates.
Business owners can typically access funds quickly, sometimes with next-day funding, which is the primary convenience appeal of this product type. The company’s emphasis on fast business funding enables businesses to act on short-term opportunities more quickly than traditional lenders. However, high costs mean business owners must carefully evaluate whether the long-term financial impact aligns with their goals.
Merchant cash advances may include additional fees such as origination costs, transaction fees, administrative fees, or costs identified in the MCA contract. Because factor-based repayment models move daily or weekly payments directly from bank accounts, business owners must maintain strong cash flow and avoid shortfall events. Repayments to Lendini are made via automatic, frequent withdrawals as a fixed percentage of revenue or credit card sales.
While MCAs usually do not appear as business loans on credit reports and may not help build business credit, defaulting can still affect credit health. Lendini has been reported to conduct multiple hard credit pulls, which can adversely impact a client’s credit score. If an account becomes delinquent, some users report that accounts have been sent to collections, legal action, or judgment proceedings, which can appear on consumer or business credit profiles.
As a direct funder, Lendini conducts its own underwriting and does not simply broker funding for other lenders. This can allow faster decisions, streamlined approvals, and automated document submissions. However, because the company does not publicly disclose repayment rates, applicants must rely on contract documents and discussions with representatives for clarity. Lendini does not disclose its repayment rates, making it advisable to explore other lenders for comparison.
User sentiment about Lendini is mixed, with customers praising the speed and ease of service, while others report issues including poor communication and questionable business practices. Complaints regarding repayment and collection methods have been filed with the Consumer Financial Protection Bureau (CFPB). It is advisable to explore lenders with more transparent rates and terms before considering Lendini. Lendini’s policy of extending cash advances solely based on revenue may seem appealing, but it lacks transparency into terms and fees.
Potential users should carefully consider the nature of merchant cash advances and read all terms and conditions thoroughly.
Lendini offers a business funding affiliate program. ISOs and business loan brokers can sign up to partner with the funder to provide its financing solutions to their small business clients.
Lendini offers a digital small business loan application with document upload functionality and internal underwriting review. Most applicants complete the process quickly, and decisions may be made the same day. Lendini’s application process has four steps and allows you to upload documents and track your funding progress.
Business owners complete the online application form and consent to Lendini reviewing bank statements, business history, and credit information. Applicants may upload requested documents electronically, including proof of revenue, business bank statements, identification, processor statements, and other supporting materials.
Once documents are submitted, underwriting reviews bank accounts, revenue trends, account stability, and business performance. The company claims that most applications receive preliminary offers or feedback within hours.
If approved, Lendini sends a commercial agreement outlining advance amounts, fees, total repayment, and payment structure. Business owners should review the contract carefully to confirm their understanding of factor rates, daily repayment amounts, fines, fees, and obligations.
Upon signing the agreement, funding is typically sent via electronic transfer and may arrive within 24-48 hours.
After receiving funds, businesses begin daily or weekly repayments through automated clearing withdrawals or credit card receivables. Lendini’s merchant cash advance is drawn from your future receivables from credit card transactions. Lendini collects repayments daily, Monday through Friday, until your debt is repaid.
Merchant cash advances allow repayment flexibility based on sales volume rather than fixed installment payments. When sales are higher, payments increase; when sales slow, withdrawals may be adjusted downward under account agreements. However, businesses with inconsistent cash flow must maintain sufficient bank balances to avoid over-withdrawals, returned payments, or collections.
Lendini does not publicly publish information about early payoff discounts, prepayment penalties, or contract renegotiation fees. While some MCA providers offer renewal funding before existing agreements are paid off, available public details do not clarify whether Lendini routinely offers early payoff benefits.
Because business owners cannot easily view total APR equivalents, it is essential to review contracts line by line. Every merchant cash advance agreement varies by provider, and understanding how fees, factor rates, daily withdrawals, credits, payment redirects, or settlements apply is critical to avoid business funding mistakes or collections situations later.
Lendini offers speedy approval times and streamlined underwriting, appealing to small businesses that need quick access to capital and can’t wait weeks for bank decisions. Because funding approval depends primarily on revenue rather than credit history, applicants with poor credit ratings or unconventional business backgrounds may still qualify.
As a direct funder, Lendini handles underwriting internally, which can simplify document submissions and avoid long broker chains. The company also offers a rewards program for returning customers, which may reduce factor rates and improve future contract terms. For businesses that understand how MCAs work and can use the advance for short-term business funding, Lendini can be a convenient option.
Like many MCA providers, Lendini uses factor rates rather than traditional interest rates, and repayment costs can be significantly higher than those for bank loans. The company does not publicly disclose pricing, making it difficult for business owners to compare costs before applying. Some customers report multiple credit pulls, which can affect credit scores.
User reviews indicate issues with transparency, unclear contract terms, additional fees, and aggressive collection practices. Some merchants report receiving unwanted phone calls or text messages, feeling pressured during communication, or dealing with customer service challenges. While Lendini provides working capital access to many businesses, its high costs may make it not the best choice for companies in financially vulnerable positions.
Pros
Cons
Yes, Lendini is a legitimate business funding company operating in the United States. It provides merchant cash advances directly to small business owners and has been in operation for several years. However, legitimacy does not imply that its financing products are the most affordable option, and borrowers should always review terms carefully.
Lendini operates as a commercial finance provider under Funding Metrics, LLC. While the company is legitimate, customer satisfaction ratings vary, and some complaints note concerns about repayment clarity, contract transparency, collection behavior, and communication. The company is not accredited by the Better Business Bureau (BBB).
Funding Metrics appears on consumer complaint platforms, regulatory listings, and industry review websites. Because MCA contracts differ from traditional loans, business owners should review agreements thoroughly before signing. Some online reviews suggest the company may be the subject of a class-action lawsuit regarding sending unwanted automated telemarketing messages.
Online reviews for Lendini vary widely, resulting in mixed-to-negative overall user sentiment. Many reviewers acknowledge that Lendini provides fast approval and access to funding, while also noting the challenges of high costs, communication issues, and misunderstandings over contract terms.
Some customers reported that Lendini has a quick funding approval process, which is one of the most frequently mentioned strengths. Customers who had positive experiences often say that certain representatives were helpful, pleasant to work with, and willing to explain the application process clearly. Some customers have reported positive experiences with specific representatives at Lendini, highlighting their professionalism, responsiveness, and eagerness to assist with funding needs.
While many customers appreciated the fast turnaround and ease of qualification, others felt that communication, contract clarity, and repayment expectations were not presented in an accessible manner. Customers report that Lendini fails to clearly disclose terms, rates, and fees, as evidenced by many critical reviews.
Negative reviews highlight issues with transparency, high costs, customer service, credit checks, and collection practices. Some customers report unresponsiveness and aggressive communication from Lendini’s staff, especially when payment issues or contract disputes arise. Several customers have indicated that they would not recommend Lendini to others based on their experiences, advising future borrowers to proceed cautiously and understand all MCA pricing elements before signing.
Lendini may decline a funding application for various reasons, such as insufficient time in business or revenue. Since it doesn’t publish minimum qualifications, it isn’t easy to assess your eligibility before applying.
If declined, the funder should provide a written notice explaining the reason. If not, or if you require more information, contact Lendini directly.
Fortunately, small business owners have many small business lenders to consider if Lendini isn’t the right fit. Many offer similar merchant cash advance options in addition to other business loans.
Working with a small business loan marketplace (like UCS) allows you to apply to a network of lenders and receive multiple offers. You can then get guided support in choosing the best deal for your needs.
You may be interested in one of the following small business loans:
Lendini provides fast working capital through merchant cash advances and may be a valuable solution for small business owners who need immediate access to funds and have sufficient revenue to support daily repayment structures. Businesses with established cash flow and a clear plan for using the advance to generate immediate returns may find the product valuable. It is convenient for companies that cannot qualify for traditional loans due to credit challenges, unusual business structures, or short operating history.
However, funding costs can be significantly higher than those for standard business loans due to factor rates, and some users report concerns about repayment expectations, collections interactions, contract clarity, and communication. Businesses that rely on tight margins or experience inconsistent revenue may find daily withdrawals difficult to manage, potentially harming long-term financial stability. Entrepreneurs seeking longer-term financing, lower cost capital, or transparent rate structures may want to explore other lenders with clearer disclosures, more extensive product options, or better customer ratings.
Based on the available information, we rate Lendini 2.9 out of 5. It could be a quick solution for working capital, but the costs, user reviews, limited funding options, and low amounts are significant concerns.
Disclaimer: The Lendini trademark is owned by Funding Metrics LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Funding Metrics LLC.
